Search found 842 matches

by Colorado13
Wed Apr 03, 2019 8:54 pm
Forum: Personal Finance (Not Investing)
Topic: Anxiety about car/house purchase
Replies: 28
Views: 2817

Re: Anxiety about car/house purchase

My post about anxiety related to spending money was locked, so you may want to rephrase your concerns to something like "adjusting to spending for car/house purchase."
by Colorado13
Wed Apr 03, 2019 8:50 pm
Forum: Personal Consumer Issues
Topic: Help me plan 3 days in Vancouver
Replies: 15
Views: 1140

Re: Help me plan 3 days in Vancouver

I will echo other's recommendations: spend some time in Stanley Park. There's plenty to see/do there and it's within walking distance of restaurants.
by Colorado13
Tue Apr 02, 2019 7:23 am
Forum: Personal Consumer Issues
Topic: Folks in their 60s and above. What early investment on health do you recommend.
Replies: 193
Views: 12411

Re: Folks in their 60s and above. What early investment on health do you recommend.

There are a number of great suggestions. Here is one I havent seen and may bring disagreement - if you run (workout), transition to another form of cardio. I see a number of folks in their 60s who were big mileage runners that have issues now. I transitioned to biking about 15 years ago and it has ...
by Colorado13
Tue Apr 02, 2019 7:10 am
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 259
Views: 21447

Re: "The best and worst U.S. states for retirement"

Colorado looks interesting, but has black ice and snow in the winter. It seems most houses in populous Colorado areas are two story and the nice houses are huge. A one story house with no winter black ice would seem to be good features for retirement. Actually there is very little black ice here, a...
by Colorado13
Tue Apr 02, 2019 7:03 am
Forum: Personal Consumer Issues
Topic: Do any of you have a fear of changing jobs?
Replies: 73
Views: 4516

Re: Do any of you have a fear of changing jobs?

No, I don't have that fear. I live in a city with a very robust economy though and realize that's not the case for everyone. The grass isn't always greener, but you can trade some of the dead grass for a different variety of dead grass...
by Colorado13
Mon Apr 01, 2019 1:22 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 259
Views: 21447

Re: "The best and worst U.S. states for retirement"

Grok, Any survey that ranks Minnesota as number 1 in Quality of life is just flawed IMO. How can you say it is wonderful to live in a place where it will freeze you or give you severe frostbite if you stay outside for 10 minutes. And the weather is like this for 5-6 months every winter. That is jus...
by Colorado13
Sat Mar 30, 2019 7:24 pm
Forum: Personal Consumer Issues
Topic: "The best and worst U.S. states for retirement"
Replies: 259
Views: 21447

Re: "The best and worst U.S. states for retirement"

These lists always seem a little suspect to me. For good reason in this case. The methods used to derive the rankings are obviously very flawed. For instance, while it's already been shown that $1 million lasts longer in Mississippi than in any other state, this study ranks MS 43rd because life exp...
by Colorado13
Fri Mar 29, 2019 4:28 pm
Forum: Personal Investments
Topic: $480K, no job, special needs kids, what to do?
Replies: 52
Views: 5416

Re: $480K, no job, special needs kids, what to do?

Wiggums wrote:
Fri Mar 29, 2019 8:17 am
aquamarine wrote:
Fri Mar 29, 2019 3:59 am
Hello. I just wanted to send love and support. I wish you all the best as you figure things out for you and your precious kids.
+1000
Another +1000.
by Colorado13
Wed Mar 27, 2019 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Maximizing Chase freedom 5%
Replies: 27
Views: 2706

Re: Maximizing Chase freedom 5%

Great ideas, thanks for sharing. I will purchase grocery store gift cards to use throughout the year for groceries and gas. I also buy gift cards (some for me, some for gifts for upcoming birthdays, etc.) at the grocery store during the April-June time period so that I can receive a 5% discount on t...
by Colorado13
Sat Mar 23, 2019 6:54 am
Forum: Personal Consumer Issues
Topic: Waiting 1 month before buying anything about $25
Replies: 16
Views: 1924

Re: Waiting 1 month before buying anything about $25

What an interesting experiment. Were most of your 10 items online finds or in-store items? Or a combination of both? I find that staying out of Target saves me from some impulse purchases, as I tend to find things there that I think I need, but clearly do not...

Thanks for sharing your insights.
by Colorado13
Fri Mar 22, 2019 8:22 am
Forum: Investing - Theory, News & General
Topic: The $4,026,858.95 Car or a Worry-Free Retirement?
Replies: 245
Views: 11473

Re: The $4,026,858.95 Car or a Worry-Free Retirement?

I would like a worry-free early retirement. One of my strategies to help me get there is to buy pre-owned vehicles and drive them for 10 years. To me, this isn't a sacrifice because I'm not into cars. Here's the but: But I like to travel to hike in interesting destinations. Yes, I could give up trav...
by Colorado13
Thu Mar 21, 2019 9:07 am
Forum: Personal Finance (Not Investing)
Topic: Canceling escrow account
Replies: 25
Views: 2236

Re: Canceling escrow account

I save my escrow money in my Ally account. I'm in a relatively low property tax state however, so this is a reasonable approach for me.
by Colorado13
Wed Mar 06, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: What Movie Have You Recently Watched?
Replies: 4388
Views: 1144848

Re: What Movie Have You Recently Watched?

Free Solo Although you know it is going to turn out ok, it is still harrowing to watch Alex Honnold, on a difficult sheer mountain face, climbing without ropes or any safety equipment. He is one misstep or wrong move away from death. Great profile of determination coupled with a passion (make that ...
by Colorado13
Wed Mar 06, 2019 8:59 pm
Forum: Personal Consumer Issues
Topic: Is Hyundai the value sweet spot?
Replies: 124
Views: 9609

Re: Is Hyundai the value sweet spot?

Congrats on the new wheels. I'm late to this topic, but used to drive a Santa Fe and loved it. I hope your experience is the same. The only downside was poor gas mileage, I'm sure the 2019 models are much better in that regard. I still have my eye on the Kona...
by Colorado13
Tue Mar 05, 2019 8:35 pm
Forum: Personal Consumer Issues
Topic: Selling Car
Replies: 46
Views: 2007

Re: Selling Car

I had offers on my previous car within an hour of posting it on Craigslist. Smooth and easy transaction. The dealer I bought the newer (but not new) car from agreed to buy my older car (within 30 days of purchase of the newer car) at a predetermined price if I wasn't able to sell it on my own. I gai...
by Colorado13
Tue Mar 05, 2019 8:32 pm
Forum: Personal Consumer Issues
Topic: Anyone have a strategy for buying a higher end, low mile used car (especially in remote area)?
Replies: 14
Views: 1159

Re: Anyone have a strategy for buying a higher end, low mile used car (especially in remote area)?

Can you make a weekend of it and drive the 5-7 hours to do some test drives? Bring a friend or family member and one of you can drive the new car home, while the other drives the other car. To make it fair, you can take turns driving the newer car. :D
by Colorado13
Tue Mar 05, 2019 1:58 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 8499

Re: Why do you live where you live?

Diversity in people (every race, religion, etc), good ethnic food of all stripes, strong public school education, all four seasons, moderately high but not crazy high COL, access to arts and culture and every major pro sports league within 30 minutes as the crow flies (usually more with traffic). I...
by Colorado13
Mon Mar 04, 2019 2:10 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 8499

Re: Why do you live where you live?

Diversity in people (every race, religion, etc), good ethnic food of all stripes, strong public school education, all four seasons, moderately high but not crazy high COL, access to arts and culture and every major pro sports league within 30 minutes as the crow flies (usually more with traffic). I...
by Colorado13
Sun Mar 03, 2019 9:37 pm
Forum: Personal Consumer Issues
Topic: Why do you live where you live?
Replies: 134
Views: 8499

Re: Why do you live where you live?

Denver suburb Positives: 1. Great outdoor activities/opportunities to spend time in nature. 2. Fit/healthy population: culture of fitness is very strong. 3. Sunshine approximately 300 days of the year. 4. One of the strongest economies in the U.S. 5. Good opportunities to attend cultural events, mus...
by Colorado13
Sat Mar 02, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: What do you do to relax just after returning from work
Replies: 80
Views: 12032

Re: What do you do to relax just after returning from work

As often as possible, I run or get outside in nature or a combination of both. While my schedule makes it easier (in some ways) to exercise before work, I get much more benefit/stress relief if I exercise after work.
by Colorado13
Fri Mar 01, 2019 12:33 pm
Forum: Personal Consumer Issues
Topic: Priority boarding - Why?
Replies: 147
Views: 8092

Re: Priority boarding - Why?

When visiting family, I have to travel to a smallish airport and love gate checking my bag: no fee for checking it, no dealing with an overhead bin, no waiting at baggage claim and no need for priority boarding. Big win. Unfortunately, in the past two years both United and Frontier (never again!) lo...
by Colorado13
Fri Mar 01, 2019 12:19 pm
Forum: Personal Finance (Not Investing)
Topic: BH could you live off your SS benefit?
Replies: 141
Views: 7100

Re: BH could you live off your SS benefit?

No, I couldn't/don't plan to, as I plan to retire early so won't have 40 years of SS earnings. My parents live off of SS and I'm not trying to emulate their situation. Their lifestyle is my inspiration to invest in my 401K.
by Colorado13
Fri Mar 01, 2019 9:29 am
Forum: Personal Investments
Topic: What did wise people do with their investments in 2008
Replies: 102
Views: 7045

Re: What did wise people do with their investments in 2008

fposte wrote:
Fri Mar 01, 2019 9:19 am
I was only wise in hindsight, but I was so clueless about my investments that it never occurred to me to do anything but just let them ride.
+1 Thankfully, I didn't consider any other courses of action and continued to invest in my 401K and IRA.
by Colorado13
Fri Mar 01, 2019 8:07 am
Forum: Personal Consumer Issues
Topic: Make-ahead "scalable" family meals
Replies: 16
Views: 1536

Re: Make-ahead "scalable" family meals

Here's an easy recipe that meets your criteria. It's flexible, so add more/less of any of the ingredients to suit your taste: 16 oz package gnocchi (potato or cauliflower versions) 3 cups chopped broccoli 16 oz kidney beans (or beans of your choice) 2 cups of cheese (I used cheddar) 16 oz tomato sau...
by Colorado13
Fri Feb 22, 2019 10:24 am
Forum: Personal Finance (Not Investing)
Topic: Trouble stomaching car
Replies: 52
Views: 4852

Re: Trouble stomaching car

I had trouble stomaching my mattress purchase and my thread was locked. It was worth the money, but a challenge to spend that much dough. I agree it's part of the burden of the BH mentality.
by Colorado13
Mon Feb 18, 2019 12:53 pm
Forum: Personal Finance (Not Investing)
Topic: Do I need a degree?
Replies: 73
Views: 4335

Re: Do I need a degree?

As a hiring manager, if all else is equal, I will hire the person with a degree instead of the person without the degree every single time. If I need some way to differentiate supposedly equally qualified candidates, the degree is a differentiator. The employer-provided tuition support is a big win ...
by Colorado13
Mon Feb 18, 2019 12:42 pm
Forum: Personal Consumer Issues
Topic: Wife filled our gas engine car with diesel fuel
Replies: 111
Views: 11422

Re: Wife filled our gas engine car with diesel fuel

The main thing is when your sibling is sick like that and you are giving care, you are not right in the head. There is a saying, an incantation, whenever someone is rude to me or cold or difficult "Be kind. For we are all fighting a great battle". I find it very helpful in understanding my spouse (...
by Colorado13
Mon Feb 18, 2019 12:35 pm
Forum: Personal Consumer Issues
Topic: Working remotely + lot of vacations
Replies: 25
Views: 3096

Re: Working remotely + lot of vacations

Snip... We are not thinking about an expensive location like Hawai, but something like Colorado or ... something in the same or very close timezone... Thanks What is your budget? Depending on your intended location and need for high speed internet (I'm guessing), CO may not be as affordable as you ...
by Colorado13
Sun Feb 17, 2019 8:37 pm
Forum: Personal Consumer Issues
Topic: First thing(s) you'd do when you achieve financial independence?
Replies: 73
Views: 5932

Re: First thing(s) you'd do when you achieve financial independence?

Worry a little bit less, sleep a little bit better, spend a bit more on comforts when traveling, and keep saving for the rainy days.
by Colorado13
Sun Feb 17, 2019 11:09 am
Forum: Personal Finance (Not Investing)
Topic: Losing a job in your 50's...
Replies: 375
Views: 40495

Re: Losing a job in your 50's...

I know there are a lot of opinions about "pay off the mortgage before retirement" and "pay off mortgage or invest." One reason I paid off the mortgage is that if I'm laid off in my 50s, a layoff would be much less stressful than with a mortgage. I have no debt, so losing the job would not be ideal, ...
by Colorado13
Fri Feb 08, 2019 3:41 pm
Forum: Personal Consumer Issues
Topic: Money saving move you regret the most?
Replies: 120
Views: 10790

Re: Money saving move you regret the most?

A few times over the years trying to save some money on travel with inexpensive or lower cost lodging and then most of the time being very disappointed with the accommodations. Later in life I learned it was better for us, being relatively picky especially about bed quality and room noise, to spend...
by Colorado13
Fri Feb 01, 2019 4:58 pm
Forum: Personal Consumer Issues
Topic: Options for International Cell Phone Use
Replies: 35
Views: 1486

Re: Options for International Cell Phone Use

Thanks to your recommendations, I checked out Google Fi, which has good coverage in South America. But, it won't work with my existing LG phone and I'm hoping to avoid purchasing a new phone. I will follow up on your SIM card recommendations.

Thanks to all for the advice.
by Colorado13
Fri Feb 01, 2019 2:52 pm
Forum: Personal Consumer Issues
Topic: Need Objective Mattresses Ratings and Reviews
Replies: 41
Views: 2025

Re: Need Objective Mattresses Ratings and Reviews

Arrghh, I wrote a long reply that went to cyber space. I purchased a new mattress in late 2018. Short answer: skip the reviews, they are useless. I wasted a lot of time on reading reviews. My purchase was one of the best I've made in quite a while, I sleep much better these days. Take your own pillo...
by Colorado13
Thu Jan 31, 2019 9:32 pm
Forum: Personal Consumer Issues
Topic: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?
Replies: 151
Views: 9668

Re: Letting Dog out everyday for lunch... the roundtrip drive is killing me.. ideas?

I don't have any advice that hasn't already been given, but wanted to say that I think you are an awesome dog owner. What a lucky dog. Maybe you should get another one so they can be buddies? :D

Good luck with whatever solution you choose...
by Colorado13
Thu Jan 31, 2019 9:33 am
Forum: Personal Consumer Issues
Topic: Options for International Cell Phone Use
Replies: 35
Views: 1486

Re: Options for International Cell Phone Use

Thanks for the input. I am travelling to South America so will follow up on the great suggestions.
by Colorado13
Wed Jan 30, 2019 10:02 pm
Forum: Personal Consumer Issues
Topic: Options for International Cell Phone Use
Replies: 35
Views: 1486

Re: Options for International Cell Phone Use

Thank you! I will explore that option.
by Colorado13
Wed Jan 30, 2019 9:09 pm
Forum: Personal Consumer Issues
Topic: Options for International Cell Phone Use
Replies: 35
Views: 1486

Options for International Cell Phone Use

I'm a Page Plus customer and Page Plus supports international calling, but not texting or data usage while outside of the US (heading to South America.) I will be out of the country and am uncomfortable with not being able to call/text. I am considering switching to Xfinity Mobile, although my curre...
by Colorado13
Fri Jan 25, 2019 9:09 pm
Forum: US Chapters
Topic: Happy Birthday, Taylor!
Replies: 76
Views: 3700

Re: Happy Birthday, Taylor!

Happy Birthday Taylor! Best wishes! :happy
by Colorado13
Fri Jan 25, 2019 10:14 am
Forum: Personal Finance (Not Investing)
Topic: Safe to consider early retirement at 42 vs benefit of sticking it out?
Replies: 75
Views: 6216

Re: Safe to consider early retirement at 42 vs benefit of sticking it out?

That is an awfully long period for that, but still you did not retire early obviously. You worked as many years as the OP has been alive... People talk a lot about early retirement here, but I just don't see it in the real world. I've never personally met anyone who retired early voluntarily. I'm s...
by Colorado13
Thu Jan 24, 2019 9:34 pm
Forum: Personal Consumer Issues
Topic: What lifestyle creep made you happier?
Replies: 291
Views: 25410

Re: What lifestyle creep made you happier?

Vacations. As a youngster, we rarely traveled more than 3 hours from home, due to a limited budget and parents' lack of interest in travel. I just booked a trip for March and am not going to fret about the cost. Travel is a priority for me; "stuff" doesn't make me happier but adventures certainly do.
by Colorado13
Mon Jan 21, 2019 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: After-tax 401(k) to Roth IRA conversion - confused about tax treatment
Replies: 29
Views: 1651

Re: [Roth conversion - confused between pre-tax and post-tax money]

Don't let the Fidelity article mess you up. The IRS rules can be simplified: If you move money that hasn't yet been taxed, you will pay tax when you move it. Your desire to move pre-tax money (no taxes paid yet) (401(k)) to an account containing money that has taxes already paid on it (Roth IRA) me...
by Colorado13
Sat Jan 19, 2019 3:16 pm
Forum: Personal Finance (Not Investing)
Topic: How much money did you receive from family? (Gifts/inheritance)
Replies: 127
Views: 14212

Re: How much money did you receive from family? (Gifts/inheritance)

My parents paid for my undergrad expenses that were not covered by scholarships, including room, board, books, etc. I had to buy my own car/insurance, but they occasionally helped with gas money. One year they bought me tires for the car for Christmas. All were amazing gifts and I'm very thankful, a...
by Colorado13
Sat Jan 19, 2019 3:07 pm
Forum: Personal Consumer Issues
Topic: Son moving to Denver from California
Replies: 47
Views: 3396

Re: Son moving to Denver from California

I've never had winter tires in CO, but I do buy very expensive tires for my SUV and replace the tires before they are worn out. AWD will be great in snow but no help on ice. We can get snow from October through May, with many 50+ degree days in between. And some -10 degree days. Also, snow and 60 de...
by Colorado13
Thu Jan 17, 2019 8:29 pm
Forum: Personal Consumer Issues
Topic: Car Rental - Getting specific type of car
Replies: 19
Views: 1296

Re: Car Rental - Getting specific type of car

Are you willing to share your route information? My guess is that AWD will meet your needs and 4x4 will be overkill. Unless you are off roading, AWD will be sufficient and "should" (key word) be available on a rental SUV. But I understand the possibility of being given a non-AWD car rather than an S...
by Colorado13
Thu Jan 17, 2019 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: Another PenFed Failure (Funds transfer)
Replies: 5
Views: 799

Re: Another PenFed Failure (Funds transfer)

"Clunky" is a great word for it! The transfer did not involve a trust, just a move of funds from one PF account to another PF account. Only one transfer failed (this time) but they have been clunky/slow in the past with transfers, so maybe I will try to make future transfers via phone instead of onl...
by Colorado13
Wed Jan 16, 2019 7:07 pm
Forum: Personal Consumer Issues
Topic: Car reviews - Consumer Reports or other sources?
Replies: 41
Views: 3283

Re: Car reviews - Consumer Reports or other sources?

You could also ask for car advice on this forum, just be prepared for something similar to the following:

You: "I am interested in X, Y, Z."

Responses: "You should not buy, X, Y or Z, but should instead purchase elephant, banana or trombone."

Good luck. :D
by Colorado13
Wed Jan 16, 2019 6:59 pm
Forum: Personal Finance (Not Investing)
Topic: Another PenFed Failure (Funds transfer)
Replies: 5
Views: 799

Another PenFed Failure (Funds transfer)

I transferred funds to my shares/savings account at Penfed on January 12 with no problem. I then requested to transfer the funds to another account at Penfed and submitted the transfer request on the 12th. I've called them twice and they still have not processed the transfer, although it is listed a...
by Colorado13
Wed Jan 16, 2019 9:29 am
Forum: Personal Finance (Not Investing)
Topic: Guidance requested
Replies: 9
Views: 1022

Re: Guidance requested

Step 1: Get rid of the PMI. With your assets and income, it's just not necessary/prudent.